Call reports 2006
WOOD COUNTY NATIONAL BANK — 2006
What WOOD COUNTY NATIONAL BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 59,115,000 | 58,728,000 | 57,412,000 | 58,008,000 |
| Total loans | 27,188,000 | 27,480,000 | 28,562,000 | 28,942,000 |
| Allowance for loan losses | 333,000 | 312,000 | 324,000 | 314,000 |
| Securities available for sale | 17,326,000 | 17,253,000 | 15,471,000 | 13,997,000 |
| Securities held to maturity | 2,559,000 | 3,392,000 | 3,524,000 | 3,523,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,892,000 | 51,471,000 | 49,895,000 | 50,551,000 |
| Interest-bearing deposits | 41,842,000 | 40,492,000 | 39,447,000 | 41,209,000 |
| Noninterest-bearing deposits | 10,050,000 | 10,979,000 | 10,448,000 | 9,342,000 |
| Equity capital | 6,987,000 | 7,003,000 | 7,224,000 | 7,230,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 835,000 | 1,711,000 | 2,601,000 | 3,498,000 |
| Interest expense | 257,000 | 497,000 | 731,000 | 1,050,000 |
| Net interest income | 578,000 | 1,214,000 | 1,870,000 | 2,448,000 |
| Noninterest income | 255,000 | 506,000 | 788,000 | 1,087,000 |
| Noninterest expense | 700,000 | 1,389,000 | 2,100,000 | 2,761,000 |
| Provision for loan losses | 13,000 | 48,000 | 121,000 | 151,000 |
| Pretax income | 120,000 | 283,000 | 437,000 | 623,000 |
| Income tax | 31,000 | 76,000 | 117,000 | 171,000 |
| Net income | 89,000 | 207,000 | 320,000 | 452,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,661,000 | 5,709,000 | 5,822,000 | 5,803,000 |
| Total capital | 5,994,000 | 6,021,000 | 6,147,000 | 6,117,000 |
| Risk-weighted assets | 27,306,000 | 27,213,000 | 27,780,000 | 28,393,000 |